Originally, the primary reason LTC Insurance was created was because it would help cover the high costs of a nursing home.  But over the years, the policies have changed dramatically. Now LTC Insurance is a comprehensive product that helps cover the cost of a variety services. Consider the real-life...

How many times have you heard clients' concerns about the cost of Long-Term Care Insurance?  It is the single most common objection, but this objection can be overcome by understanding the underlying issues at work here. If your clients are like most, they do not think they will ever need LTCI, and they...

When meeting with clients to discuss the benefit that a Long-Term Care (LTC) Insurance policy has on their overall financial plan, tax deductions might not be the first thing you emphasize, but should be one of your top five discussion points. Taking the time to explain the tax advantages may provide...

Your clients often think they will not be among the 75% of people who need Long-Term Care sometime in their life.  They put it off thinking they don’t need to purchase protection until it actually happens to them. Unfortunately, waiting to purchase coverage could mean they pay higher premiums or they...

Tax season is in full swing - people across the country are in the midst of preparing and filing their returns. But did you know it's also an opportune time to talk to your clients about the vital importance of Long-Term Care Insurance? There are numerous tax-related benefits that come with LTCi. For...

How do you get people to sit up and take notice?  Talk taxes.  Tell them you have a way to help them reduce their state and federal tax bill. A Long-Term Care Insurance (LTCi) policy has the potential to help people lower the amount they pay in taxes. And at the same time, LTCi provides valuable...

While the cost of long-term care among all providers has increased, the cost of facility-based care has grown at a much greater rate than home care. While your clients have more choices than ever before, it is vital to be aware of the associated costs in order to build a better asset protection plan. Consider...

If you are new to the Long-Term Care market or you only sell a few policies a year, it is time to focus your energy on a product that has a lot of potential.  Here's why: People need it LTC Insurance helps people pay for services they may need due to a prolonged illness, accident or the simple process...

The Situation Your client understands the need for Long-Term Care Insurance (LTCi), but feels the premium is too costly - they want the policy, but can’t afford the premium. The Sales Solution With all the options available on LTCi products, you can help your client “dial down” the premium to fit their...

Long-Term Care Insurance is an emotional sale.  There’s a growing trend that shows many people who purchase a policy do so because they know someone who needed LTC.  They heard first-hand accounts of the importance of a caregiver, the high cost of LTC services and the impact that can have on a family. Some...